The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$93,984
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,908
−HK$2,970/mo
Today · 4.125%
HK$99,878
baseline
▲ 0.50% · 4.625%
HK$105,955
+HK$6,077/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,756/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,556
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,361
−HK$2,844/mo
Today · 4.125%
HK$110,205
baseline
▲ 0.50% · 4.625%
HK$116,014
+HK$5,809/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,410/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,781
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$116,289
−HK$3,564/mo
Today · 4.125%
HK$119,853
baseline
▲ 0.50% · 4.625%
HK$127,146
+HK$7,293/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$239,706/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,468
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,833
−HK$3,413/mo
Today · 4.125%
HK$132,246
baseline
▲ 0.50% · 4.625%
HK$139,217
+HK$6,971/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$264,492/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,578
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,671
−HK$4,158/mo
Today · 4.125%
HK$139,829
baseline
▲ 0.50% · 4.625%
HK$148,337
+HK$8,508/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$279,658/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,379
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,305
−HK$3,982/mo
Today · 4.125%
HK$154,287
baseline
▲ 0.50% · 4.625%
HK$162,420
+HK$8,133/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$308,574/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,171
−HK$10,609/mo
▼ 0.25% · 3.875%
HK$174,434
−HK$5,346/mo
Today · 4.125%
HK$179,780
baseline
▲ 0.50% · 4.625%
HK$190,719
+HK$10,939/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,560/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,202
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$193,249
−HK$5,120/mo
Today · 4.125%
HK$198,369
baseline
▲ 0.50% · 4.625%
HK$208,826
+HK$10,457/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,738/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,701 · Scale 2, in force from 26 Feb 2026)